Portfolio Analytics & Strategy Specialist - Commercial Real Estate

Position Overview

At PNC, our people are our greatest differentiator and competitive advantage in the markets we serve. We are all united in delivering the best experience for our customers. We work together each day to foster an inclusive workplace culture where all of our employees feel respected, valued and have an opportunity to contribute to the company’s success.

The Portfolio Analytics & Strategy Specialist works with business, credit, data, and model development partners to design and develop analytics for the bank’s Commercial Real Estate loan portfolio. This individual will play a key role in leveraging data from multiple sources to deliver a unified perspective and apply statistical, analytical, and technical methods to guide portfolio management.

• Technical capability and analytical skill set to perform analysis with data in various business intelligence, programming, and database management applications.
• Experience and ability to independently author code using Python and SQL.
• Experience with creating data visualizations programmatically.
• Bachelor’s degree in economics, finance, engineering, statistics or other discipline(s) relevant to quantitative credit portfolio management.
• Experience in commercial credit analytics or credit loss forecasting (i.e., CCAR and CECL) will be a plus.

Provides financial and regulatory reporting and analyses to maintain adequate controls over the financial and regulatory reporting processes.

Responsible for running complex business performance, risk and operational analytics.

May include the development of analytical methods/models to assess market, credit and/or operational risk of new and existing financial products.

Leverages business / product expertise to rigorously analyze large datasets, improve risk adjusted returns, deliver profitable growth, and communicate conclusions.

Synthesizes analytical results and develops, recommends, and implements business strategies that improve lending decisions, assist in managing risk, increase revenues, reduce exposure to losses, meet business goals, and improve performance.

Establishes baselines for strategies and tracks actual performance to expectations.

Applies predictive models, third party data, and other tools to develop and execute appropriate segmentation and targeting for acquisition and portfolio strategies to provide insight into portfolio risk.

Manages engagements with internal and external information suppliers ensuring solution is fit for purpose while maintaining appropriate governance and oversight.

Works with business, credit, data, and model development partners to design, develop, and monitor test designs and analytical reporting to track and enhance strategies.

Designs / enhances standard reporting suites for regular product / portfolio reviews.

Collaborates with the line of business, Finance, and Risk partners to assess and establish credit risk appetite and to understand its implications, as well as to establish policies and procedures governing the identification, monitoring, and management of risk appetite.

Successful candidates must demonstrate appropriate knowledge, skills, and abilities for a role. Listed below are skills, competencies, work experience, education, and required certifications/licensures needed to be successful in this position.

• Analytical Thinking
• Credit Risks
• Data Analytics
• Financial Analysis
• Model Development
• Operational Risks
• Quantitative Models
• Risk Appetite Competencies
• Analytical Approach
• Banking Products
• Big Data Management and Analytics
• Business Analytics
• Credit Risk
• Mathematics of Financial Instruments
• Operational Risk
• Performance Measurement
• Predictive Analytics
• Pricing Models and Analytics
• Regulatory Environment - Financial Services
• Risk Management Banking

Roles at this level typically require a university / college degree, with 5+ years of industry-relevant experience. Specific certifications are often required. In lieu of a degree, a comparable combination of education, job specific certification(s), and experience (including military service) may be considered.

Bachelors